
Credit and Risk Operations Director
6 days ago
We are looking for an accomplished professional to drive process excellence in our retail loan operations, ensuring efficient and effective processes that meet customer needs. As a Retail Loans Operations Manager, you will oversee the entire lifecycle of digital loan applications.
Main Responsibilities:
- Develop and maintain operational workflows for digital loan applications.
- Ensure effective execution of credit allocation, disbursement, monitoring, and closure processes.
- Maintain a balance between automated processes and manual controls to enhance operational efficiency.
- Conduct operational processes in compliance with banking regulations, Credit Bureau (KKB), Risk Center, BRSA, and MASAK guidelines.
- Analyze and improve business processes to increase operational efficiency.
- Support the integration of RPA, AI, and automation systems into operational processes.
- Ensure efficient operation of systems used in credit processes.
- Manage operational processes with financial institutions and external service providers.
- Analyze operational data and generate necessary reports.
- Complete legal reporting requirements for regulatory authorities accurately and on time.
About Your Qualifications:
- Bachelor's degree in Economics, Business Administration, Banking, Finance, or related fields.
- Minimum 5 years of experience in retail loan operations within digital banking, fintech, or traditional banking sectors.
- Strong knowledge of credit regulations, banking operation systems, and digital loan processes.
- Ability to analyze operational data and propose process improvement strategies.
- Strong problem-solving, collaboration, and negotiation skills.
- Ability to coordinate with different departments and demonstrate strong leadership skills.
- Proficiency in MS Office applications.
- High-level negotiation and communication skills to work effectively with internal and external stakeholders.
- Proactive, growth-oriented mindset with a passion for continuous learning and innovation.
- Strong command of English with excellent communication skills.
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